Hello, Last year I cleared my father's CRA ...too many TL, neg and also too many social security listed under different names. I disputed w/EXP and they corrected... NOW we checked with CRA and not only my father's social security does not appeared but different SS# with a different name. Someone open TL's under this SS#. We did file last year CREDIT FRAUD with CRA's. Is this legal for allowing CRA changed your IDENTIFICATION WITHOUT notify you first???? I have a some questions...... 1/ Should I validate w/CO??? 2/ Should I validate hard In???? I see alot of violations...$$$$$$$ Does anyone have a sample letter so I can send to CRA's of violation for FRAUD? Your help is appreciated! Esther
Esther, Here is a link to the Federal Trade Commission's web page on identity theft: http://www.consumer.gov/idtheft/ Among the helpful things at that site is an ID Fraud Affidavit. Here is a link to that page: http://www.consumer.gov/idtheft/affidavit.htm The affidavit itself is in PDF format, requiring Adobe Acrobat Reader to open it. HTH, John
Sounds like you father's file has been merged with at least one other person's. Not necessarily fraud - fraud would be the same SSN but accounts that do not belong to him. Different SSN's is usually merged files. Definitely take all this, along with your paper trail from last year, and notify the CRA's that they have merged your father's file with someone else's.
UPDATE ON MY FATHER'S MERGE FILE from EXP... Good News!!! Sent CRRR & faxed all documentation to EXP last week along with ITS and Exp has updated my father's credit file... Thanks to all for help!!!!...
